Having a closed account fall off one bureau before the others isn't uncommon. Positive accounts will stay on your reports for up to 10 years, but they don't always last that long. Since each bureau maintains their own files, a closed account can fall off one early while still being on the others. Unfortunately, there's no way to get an old closed accont back on your report. Once it's gone, it's gone.
Similarly, most lenders do not pull from all three bureaus at once, so each bureau will have a different number of inquiries depending on which ones your lenders hit up.
The good news is that 758 is not a bad score. If you want to learn more about FICO8 and what you can do to optimize your profile, check out @Anonymous 's scoring primer . Utilization and AZEO are two things you can look at to possibly bump up your score right now w/o making any other changes to your profile.
Finances over FICOs, definitely. That's another thing you'll probably hear a lot around here. And, yeah, generally they shouldn't stay longer than 10 years, tho I think there have been reports of an account occassionally remaining longer.
The Primer link created by @Anonymous referenced above will probably answer most of your questions. I don't recall but I think there is room to grow or gain points from your AAoA on EX and may be a reason for some variance. I'm far removed from that max score potentional age but think the link references the maximum scoring benefit gained from AAoA.
And as @Slabenstein stated, "Finances over Scores". Not having that financial obligation is a better position for most if not all over FICO scores, particularly if you don't need MTG financing which is a different score model from FICO 8's.
Since FICO 8's seems to be what you're interested in now I'll let others or @AllZero tell you how to obtain those scores at a lesser expense. When needing to review all score models, in my opinion I think MyFICO is the best since it provides so much more information that it's recent only competitor to provide all scores through Credit.com's new paid service.
@SirMilo wrote:Thank you for the response Trudy.
I will definitely take a look at the Primer link. My sub to 3B quarterly was simply to get as much info to work with in a quick manner while trying to avoid options that i've read can be a time consuming nightmare to cancel. The extra few bucks to avoid these headaches is always worth it to me. I have no intention of taking out another mortgage or financing a vehicle. I don't need a 2nd home and prefer to pay cash on a nicely depreciated lightly used car when needed. I have grown very accustomed to having a low overhead after bleeding finacially for far too long.
Having said this, the 3B sub gave me a much bigger picture of the scores that I currently hold, even though I have no real need to know those scores. I will be discontinuing with the 3B sub before needing to pay for another month- it has served its purpose. My AmEx card gives me Experian FICO 08 scores and data. I can monitor EX from now on through AmEx and have TU access with one of my other cards. I also have the free Equifax website option with what I assume is a Vantage 3 score but it allows me access to my report. This should pretty much cover my future needs I suspect.
There are only two real reasons to pay for scores as a consumer, imo. The first is if you have a mortgage or other major borrowing coming up and need to know exactly where you stand. The second is if you're trying to understand a score model and want to track changes. Otherwise free reports and FICOs that come with cards and different sites are enough to keep tabs.